You can use those points for a Prime week at Wyndham Smoky Mountains! There are options for you with 105K points. Depending upon the season you travel, length of your stay and where you want to go, you have flexibility in how you will use your Wyndham points.
Here is a link to the 2014-2015 Club Wyndham Plus Member's Directory (some things have changed, so look at the supplement as well). You can view the required points needed for various Club Wyndham Plus Resorts:
Wyndham Member's Directory Directory Supplement:
Make sure to call Wyndham to set up your RCI account (this is included with your Wyndham Program fee) You can also deposit your Wyndham points in RCI to get a week's vacation somewhere. You can stay at Walt Disney World Resorts for 105K points.
You can go to Cancun, MX and stay in a 1 bedroom for a week for 77K points.
You can credit pool future years points to have more points to use for your vacation planning.
You would have to pay the RCI exchange fee which is an additional $209 plus your points.
You could do Extra Vacations (RCI cash purchase vacations) if you want to go on more vacations without having to pay an exchange fee.
You could search for RCI Last Call ( within 60 days or less) for vacations and pay under $300 for a full week vacation.
You have many choices. My advice is use what you have. You can always rent more points from Wyndham if you might need some more. If you think you will need more points, you can decide on that later.
When your points transfer, set up you online account. Set up your maintenance fee payment withdrawal online to save the monthly fee charge by Wyndham.
Request a NEW 2015-2016 Club Wyndham Plus Member's Directory (you will have online access to view it when you set up your Wyndham online account)
Welcome and Good luck!